Is your cash fully insured?

Keeping cash safe is important. Max makes it easy by
helping spread your cash across multiple accounts, keeping your
balances below the FDIC-insurance limits. Check your balances at
any time, all on one screen.

Ensure your online savings accounts are connected to the same
“brick-and-mortar” checking account. Link them to Max and
we’ll take care of the rest.

Like to have more control?

You can use Max’s Intelligent Funds Transfer℠ to easily
move cash between savings and checking with just one click or tap.
If you’re moving funds to savings they’ll be added to your
highest-yielding account(s). If you’re moving funds to checking,
they’ll be pulled from your lowest-yielding savings account(s).
Max is smart, just like you.

Earn More With Max

Online banks have lower operating costs, and they pass on these
savings to depositors in the form of higher rates. Max
intelligently optimizes your balances each month in search of the
best prevailing rates. Max members typically can earn
0.70% to 0.90% more than they currently do at traditional
“brick-and-mortar” banks.

The Max Average is the weighted average interest
rate currently being earned by Max members in their
linked savings accounts. The National Average Interest Rate is
the average interest rate offered by Savings and Money Market
accounts in the U.S. Source: Bankrate.com.

Have a Financial Advisor?

Have More Questions?

Can I keep my existing bank accounts?

Yes. Max is not a bank. Max simply helps you earn
more interest via your existing bank account and additional
accounts that you may choose to open over time.

Which banks does Max work with?

Max currently works with checking accounts at some of the
leading banks in America — including Bank of America, JPMorgan/Chase,
Citibank, Wells Fargo and First Republic — as well as savings
accounts at leading FDIC-insured online banks including Barclays,
GE Capital Bank, American Express Personal Savings, Ally Bank and
Capital One 360 (formerly ING Direct).

What’s involved in signing up for Max?

To signup for Max, simply link your brick-and-mortar
checking account and online savings accounts to Max.
Once they are linked, Max does the rest.

What happens after I join Max?

Max works quietly in the background, keeping an eye out
for the best rates and automatically reallocating your cash among
your own accounts as rates change. You can view your balances at
any time, track the status of each optimization, and access your
cash directly – these are, after all, your own bank accounts.

How secure is Max? How does Max protect my privacy?

How much does Max cost?

Max charges 0.02% per quarter on the cash being optimized,
for a total of 0.08% per year. By comparison, many money market
funds charge upwards of 0.16% in fees, yet today yield only 0.01%
net of fees.